Yours To Insure: Save Money On Car Insurance

Yours To Insure: Save Money On Car Insurance


The Nissan GT-R sportscar is a fantastic ride, but it also carries a premium to go with its expensive price: the GT-R is the most expensive car to insure according to a recently published survey by

The Nissan GT-R sportscar is a fantastic ride, but it also carries a premium to go with its expensive price: the GT-R is the most expensive car to insure according to a recently published survey by

Consumers who are considering making a new car purchase are likely to find some of the best buys this year. That is because auto sales are way down and car manufacturers are looking to move inventory and are willing to trim thousands of dollars off of the price of their vehicles. Clearly, it is a buyer’s market when it comes to purchasing a new car, something that will not last as inventory is adjusted to meet sales expectations.

One area that consumers should consider when making any new car purchase is car insurance. You may be able to save thousands of dollars off of the sticker price, but you could end up paying thousands of dollars extra over the next five years in elevated insurance premiums, effectively eating up what you saved initially.

Thanks to a survey recently conducted by, you can find out how some of the top cars rated, a good measuring stick to find out what your insurance costs will be. In all cases, call your insurance agent first to get an estimate of what your new car insurance will cost you. You may be in for the surprise of your life, hopefully a good one at that!

                  The 20 most expensive 2009 vehicles to insure

                   Average   Vehicle                      Class
         Rank      Premium
           1       $2,533  Nissan GT-R                  Sports car
           2       $2,446  Dodge Viper                  Sports car
           3       $2,236  BMW M6                       Sports car
           4       $2,186  Ford Shelby GT500            Sports car
           5       $2,088  Mercedes-Benz G-Class        Large SUV
           6       $2,071  Audi S8                      Passenger car
           7       $2,020  BMW M5                       Sports car
           8       $1,912  Hummer H2                    Large SUV
           9       $1,881  Lexus ISF                    Sports car
          10       $1,819  Porsche 911                  Sports car
          11       $1,762  Chevrolet Cobalt SS          Sports car
          12       $1,717  Jaguar XK Series             Sports car
          13       $1,714  BMW M3                       Sports car
          14       $1,694  Cadillac XLR                 Sports car
          15       $1,637  Audi R8                      Sports car
          16       $1,603  Land Rover Range Rover       Large SUV
          17       $1,592  Cadillac Escalade EXT        Truck
          18       $1,587  Honda S2000                  Sports car
          19       $1,584  BMW X6                       Large SUV
          20       $1,577  Mercedes-Benz SL-Class       Passenger car

If low premiums are more your speed, the "least expensive" list
contains a good selection of SUVs, minivans and passenger cars. Low
insurance rates tend to reflect a vehicle's safety because drivers of
those models have submitted fewer and less-expensive insurance claims.
          The 20 least expensive 2009 vehicles to insure

                Average    Vehicle                    Class
     Rank      Premium
       1         $832  Hyundai Santa Fe             Midsize SUV
       2         $840  Kia Sportage                 Small SUV
       3         $848  Hyundai Entourage            Minivan
       4         $857  Kia Sedona                   Minivan
       5         $870  Kia Rio5                     Small wagon
       6         $871  Honda Odyssey                Minivan
       7         $881  Smart Fortwo                 Passenger car
       8         $911  Saturn Vue                   SUV
       9         $913  Mazda Tribute                SUV
      10         $915  Chrysler Town & Country      Minivan
      11         $921  Scion xB                     Small wagon
      12         $929  Mazda Mazda5                 Minivan
      13         $936  Volkswagen Passat            Passenger car
      14         $939  Jeep Wrangler                SUV
      15         $951  Honda Accord                 Passenger car
      16         $954  Suzuki Forenza               Passenger car
      17         $955  Lincoln Town Car             Passenger car
      18         $957  Mazda Truck                  Pickup
      19         $959  Chevrolet Impala             Passenger car
      20         $960  Dodge Grand Caravan          Minivan

“If you’re looking to get the lowest car insurance price possible, these rankings can point you in the direction of vehicles that can help you get there,” said Amy Danise, editor of “Maintaining a good driving history and good credit are also crucial to getting good rates. Your age and location also have a big impact. Shopping around is the No. 1 easiest way to lower your rate, even if you can’t change your other ‘risk’ factors.”


Adv. — You’re planning to buy a new car, but should you accept dealer financing or shop around for the best deal? If it is a choice between getting a nice rebate or low interest financing, take the money and shop for an auto loan elsewhere. Visit for all of your lending needs including new and used car auto loans at rates you can afford.

Photo courtesy of Nissan Motors.


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  1. Marty
    Marty 5 June, 2009, 11:28

    I think this article brings up a great point that certain factors can definitely influence how much you pay for your car insurance.

    I work with State Farm and would also suggest that folks shopping around for a new insurance policy (and yes, I definitely adovcate people shop around and compare before deciding on one carrier) consider a few other itmes/questions to ask when looking for a new policy (or evaluating your current one) to help ensure getting the best deal possible and the right amount of coverage.

    Some of the questions I would suggest include:

    1. Does your company offer advantages for having different types of policies (home, life, auto, etc.) all under the same provider?

    2. How does your company make sure that I can get smart, trusted advice if my personal situation changes? (financially, or otherwise)

    3. What, in clear and straight talk, is included and excluded within the policy I’m looking at/currently have?

    4. What is the impact on me if I file a claim? Will my policy go up and if so, why and by how much?

    5. Do my kids get a discount when they buy a policy with the same company that I’ve stayed loyal to for years?

    I hope this helps folks out there – does anyone else have helpful tips to use when shopping for insurance?

  2. Matthew C. Keegan
    Matthew C. Keegan Author 5 June, 2009, 11:41

    Thanks for your comment, Marty. I’ve been a State Farm customer since 1985 and know that when it comes to providing options for me, agents are always happy to consider my needs.

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